The lender directory
Australian business lender directory
Every kind of business lender operating in Australia — what each one funds, the security it wants, the borrower it likes and the things that make it say no.
Australian businesses borrow from far more places than the bank they use for their transaction account. APRA's register of authorised deposit-taking institutions alone covers major banks, regional banks, mutual banks, credit unions and foreign banks, and outside that register sit non-bank lenders, private lenders, online lenders and specialist financiers.
Each page below covers one lender type: what it funds, the security it takes, the borrower it likes, the documents it asks for, how it prices risk in broad terms, and the reasons it most often says no. We don't name or rank individual lenders — appetites shift too often for that to stay honest.
Compare business lenders
How to compare Australian business lenders properly: lender type first, then security, documents, timing and total cost in dollars — not headline rates.
Read the field notes →Major banks
How Australia's major banks lend to business: the borrowers they favour, security and documents they ask for, why they decline, and when to look elsewhere.
Read the field notes →Regional and challenger banks
How regional, challenger and mutual banks and credit unions lend to Australian businesses, who they suit and how they differ from the majors.
Read the field notes →Non-bank lenders
How non-bank business lenders in Australia are funded, who they suit, what they ask for and how they differ from banks on credit and cost.
Read the field notes →Private lenders
How private business lenders in Australia assess property security and the exit, who they suit, typical uses and the questions to ask first.
Read the field notes →Online lenders
How online business lenders in Australia assess bank data and turnover, who they suit, repayment rhythms, costs to check and why they decline.
Read the field notes →Invoice finance providers
How Australian invoice finance providers advance cash against unpaid business invoices, what they check about your debtors and costs to compare.
Read the field notes →Asset and equipment financiers
How Australian asset and equipment financiers lend against vehicles, machinery and fit-outs, who they suit, what they need and why they decline.
Read the field notes →Trade finance providers
How trade finance providers in Australia pay suppliers up front for importers and wholesalers, who they suit, what they check and why they decline.
Read the field notes →Caveat and second-mortgage lenders
How caveat and second-mortgage business lenders work behind an existing home loan, who uses them, what they need and the exit they expect.
Read the field notes →Merchant cash advance providers
How merchant cash advance and revenue-based providers work in Australia, who they suit, how repayments flex with sales and the costs to check.
Read the field notes →Brokers and marketplaces
How business loan brokers, marketplaces and lead sites differ in Australia, how they're paid, who sees your details and how to choose one.
Read the field notes →Government-backed lenders
Which Australian Government lenders fund businesses (mainly exporters and farm businesses), what they offer, and what everyone else should do.
Read the field notes →Not sure which of these is you?
The Lender Matcher sorts it in six questions — or send an enquiry and a specialist will place you on the map. No credit check to ask.
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